effective jan. 1, 2019 - nh.gov · the commercial package policy (cpp) provides a broad package of...

EFFECTIVE Jan. 1, 2019

Type of Insurance Filing Code* Sub-Type of Insurance Description

NAIC Annual Statement Line

SERFF Type Of Insurance SERFF Sub-Type of Insurance

Property 1

Coverage protecting the insured against loss or damage to real orpersonal property from a variety of perils, includingbut notlimited tofire, lightening, business interruption, loss of rents,glass breakage, tornado, windstorm, hail, water damage,explosion, riot, civil commotion, rain, or damage from aircraft orvehicles.

0102.1 01.0 Property

1.0001 Commercial Property Property insurance coverage sold to commercial ventures. 0102.101.0001 Commercial Property (Fire and Allied Lines)

1.0002 Personal Property Property insurance coverage sold for personal, family orhousehold purposes. 0102.1

01.0002 Personal Property (Fire and Allied Lines)

Crop 2.1

Coverage protecting the insured against loss or damage to cropsfrom a variety of perils, including but not limited to fire, lightening,loss of revenue, tornado, windstorm, hail, flood, rain, or damageby insects.

02 2 or 02.4 02.1 Crop

02.1000 Crop-Hail Sub-TOI Combinations

2.1001 Crop-HailPrivate market coverage for crop insurance and agricultural-related protection, such as hail and fire, and is not reinsured bythe FCIC.

2.402.1001 Crop-Hail Non-Federally Reinsured Only

2.1002 Federally Reinsured Crop

Crop insurance coverage that is either wholly or in part reinsuredby the Federal Crop Insurance Corporation (FCIC) under theStandard Reinsurance Agreement (SRA). This includes thefollowing products: Multiple Peril Crop Insurance (MPCI);Catastrophic Insurance, Crop Revenue Coverage (CRC); IncomeProtection and Revenue Assurance.

2 2

02.1002 Crop-Hail Federally Reinsured Only

Flood 2 3

Coverage protecting the insured against loss or damage to real orpersonal property from flood. (Note: If coverage for flood isoffered as an additional peril on a property insurance policy, file itunder the applicable property insurance filing code.)

02 3 or 02 5 02.3 Flood

2.3001 Commercial Flood Separate flood insurance policy sold to commercial ventures forprimary coverage. 02 3 or 02.5

02.3001 Commercial Flood

2.3002 Personal Flood Separate flood insurance policy sold for personal, family orhousehold purposes for primary coverage. 02.3 or 02.5

02.3002 Personal Flood

2.3003 Commercial Excess Flood

Separate flood insurance policy sold to commercial ventures forexcess coverage. 02.3 or 02.5

2.3003 Commercial Excess Flood

2.3004 Personal Excess Flood

Separate flood insurance policy sold for personal, family orhousehold purposes for excess coverage. 02.3 or 02.5

2.3004 Personal Excess Flood

Farmowners 3

Farmowners insurance sold for personal, family or household purposes. This package policy is similar to a homeowners policy, in that it has been developed for farms and ranches and includes both property and liability coverage for personal and business losses. Coverage includes farm dwellings and their contents, barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock.

3 03.0 Personal Farmowners

Personal Farmowners

UNIFORM PROPERTY & CASUALTY PRODUCT CODING MATRIX

© 2019 National Association of Insurance Commissioners 1 of 14


Homeowners 4

A package policy combining real and personal property coveragewith personal liability coverage. Coverage applicable to thedwelling, appurtenant structures, unscheduled personal propertyand additional living expense are typical. Includes mobile homesat a fixed location.

4 04.0 Homeowners

04.0000 Homeowners Sub-TOI Combinations

4.0001 Condos Homeowners insurance sold to condominium owners occupyingthe described property. 4

04.0001 Condominium Homeowners

4.0002 Mobile Homes Homeowners insurance sold to owners occupying the describedmobile home. 4

04.0002 Mobile Homeowners

4.0003 Owner Occupied Homeowners insurance sold to owners occupying the describedproperty. 4

04.0003 Owner Occupied Homeowners

4.0004 Tenants Homeowners insurance sold to tenants occupying the describedproperty. 4

04.0004 Tenant Homeowners

4.0005 Other All other Homeowners insurance products. 4 04.0005 Other Homeowners

Commercial Multiple Peril 5

The policy packages two or more insurance coverages protecting an enterprise from various property and liability risk exposures. Frequently includes fire, allied lines, various other coverages (e g., difference in conditions) and liability coverage. Such coverages would be included in other annual statement lines, if written individually. Include under this type of insurance multi-peril policies (other than farmowners, homeowners and automobile policies) that include coverage for liability other than auto.

5.1 05.0 CMP Liability and Non-Liability

05.0000 CMP Sub-TOI Combinations

5.1 Non-Liability Portion** Absence of a responsibility to fulfill a contract or obligation. 5.1 05.1 CMP Non-Liability Portion Only

05.1000 CMP Sub-TOI Combinations

5 2 Liability Portion** Responsibility to fulfill a contract or obligation. 5 2 05.2 CMP Liability Portion Only 05.2000 CMP Sub-TOI Combinations

5.0001 Builders’ Risk Policies

Typically written on a reporting or completed value form, this coverage insures against loss to buildings in the course of construction. The coverage also includes machinery and equipment used in the course of construction and to materials incidental to construction.

5.1

05.0001 Builders Risk05.1001 Builders Risk

5.0002 BusinessownersThe Businessowners (BOP) provides a broad package of property and liability coverages for small and medium sized apartment buildings, offices, and retail stores.

05.1—05.2

05.0002 Businessowners 05.1002 Businessowners 05.2002 Businessowners

5.0003 Commercial Package Policy

The Commercial Package Policy (CPP) provides a broad package of property and liability coverages for commercial ventures other than those provided insurance through a businessowners policy. (The older special multi peril programs (SMP) also use this code.)

05.1—05.2

05.0003 Commercial Package 05.1003 Commercial Package05.2003 Commercial Package

5.0004 Manufacturers Output Policies

Provides broad form all risks coverage of personal property of an insured manufacturer that is located away from the premises of the manufacturer at the time of a claim.

5.1

05.0004 Manufacturers Output 05.1004 Manufacturers Output05.2004 Manufacturers Output

5.0005 E-Commerce Coverage for all aspects of E-Commerce Business. 5.105.0005 CMP E-Commerce05.1005 CMP E-Commerce05.2005 CMP E- Commerce

5.0006 Commercial Farm and Ranch

A commercial package policy for farming and ranching risks that includes both property and liability coverage. Coverage includes barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock.

3

05.0006 Commercial Farm and Ranch05.1006 Commercial Farm and Ranch05.2006 Commercial Farm and Ranch

5.0007 Other CMP Policies All other commercial multiple peril (CMP) insurance products. 05.1—05.205.0007Other CMP05.1007 Other CMP05.2007 Other CMP



Mortgage Guaranty 6 Insurance that indemnifies a lender for loss upon foreclosure if aborrower fails to meet required mortgage payments. 6 06.0 Mortgage Guaranty

06.0000 MG Sub-TOI Combinations

6.0001 MG-Fixed Rate Mortgages

The type of loan in which the interest rate will not change for theentire term of the loan. 6

06.0001 Fixed Rate MG

6.0002 MG-Trust/PoolsInsure pools of loans secured by instruments constituting a firstlien on real estate and evidenced by pass-through certificates orother instruments.

6

06.0002 Trust/Pool MG

6.0003 MG-Variable Mortgages

The type of loan in which the interest rate may vary or float periodically throughout the term of the loan based on an interest rate index.

6

06.0003 Variable Rate MG

6.004 Other MG All other mortgage guaranty products. 6 06.0004 Other MG

Ocean Marine 8 Coverage for ocean and inland water transportation exposures;goods or cargoes; ships or hulls; earnings; and liability. 8 08.0 Ocean Marine

08.0000 Ocean Marine

Inland Marine 9

Coverage for property that may be in transit, held by a bailee, at afixed location, or movable goods that are often at differentlocations (e.g., off-road constructions equipment), or scheduledproperty (e.g., Homeowners Personal Property Floater) includingitems such as live animals, property with antique or collector’svalue, etc. These lines also include instrumentalities oftransportation and communication, such as bridges, tunnels,piers, wharves, docks, pipelines, power and phone lines, andradio and television towers. This does not include motor vehicleslicensed for use on public roads.

9 09.0 Inland Marine

09.0000 Inland Marine Sub-TOI Combinations

9.0001 Animal Mortality Coverage that provides a death benefit to the owner of a policy inthe event of the death of the insured livestock. 9

09.0001 Animal Mortality

9.0002 Difference in Conditions (DIC)

DIC is a special form of open-peril coverage written in conjunctionwith basic fire coverage and designed to provide protectionagainst losses not reimbursed under the standard fire forms.

5

09.0002 Difference in Conditions (DIC)

9.0003 EDP PoliciesCoverage to protect against losses arising out of damage to ordestruction of electronic data processing equipment and itssoftware.

9

09.0003 Electronic Data Processing (EDP)

9.0004 Pet Insurance PlansVeterinary care plan insurance policy providing care for a petanimal (e.g., dog or cat) of the insured owner in the event of itsillness or accident.

9

09.0004 Pet Insurance Plans

9.0005 Other Commercial Inland Marine

All other inland marine coverage that is sold to commercialventures, including coverage on property rented/leased by thenamed insured to others. (Also see 28 2003)

9

09.0005 Other Commercial Inland Marine

9.0006 Other Personal Inland Marine

All other inland marine coverage that is sold for personal, familyor household purposes. 9

09.0006 Other Personal Inland Marine

9.0007Communication Equipment (Cellular Telephones)

Provides insured subscribers of Communications EquipmentService Provider replacement coverage for loss of and damage,theft or mechanical breakdown to communications equipment.Communications equipment means wireless telephones andpagers, and any other devices incorporating wireless phone andpager capabilities, including but not limited to personal digitalassistants (PDA) and wireless aircards.

9

9.0007 Communication Equipment (Cellular Telephones)

9.0008 Event CancellationCoverage for financial loss because of the cancellation orpostponement of a specific event due to weather or otherunexpected cause beyond the control of the insured.

9

9.0008 Event Cancellation



9.0009 Travel Coverage

Covers financial loss due to trip cancellation/interruption; lost ordamaged baggage; trip or baggage delays; missed connectionsand/or changes in itinerary; and casualty losses due to rentalvehicle damage.

9

9.0009 Travel Coverage

9.0010 Boatowners/Personal Watercraft

Covers damage to pleasure boats, motors, trailers, boatingequipment and personal watercraft as well as bodily injury andproperty damage liability to others.

9

9.0010 Boatowners/Personal Watercraft

Financial Guaranty 10

A surety bond, insurance policy, or an indemnity contract (whenissued by an insurer), or similar guaranty types under which lossis payable upon proof of occurrence of financial loss to an insuredclaimant, obligee or indemnitee as a result of failure to perform afinancial obligation or any other permissible product that isdefined as or determined to be financial guaranty insurance.

10 10.0 Financial Guaranty

10.0000 Financial Guaranty

Medical Malpractice 11

Insurance coverage protecting a licensed health care provider or health care facility against legal liability resulting from the death or injury of any person due to the insured’s misconduct, negligence, or incompetence, in rendering or failure to render professional services.

11 11.0 Med Mal -Claims Made and Occurrence

11.0000 Med Mal Sub-TOI Combinations

11.1 Occurrence**These policies cover insured events that occur within the effective dates of the policy regardless of when they are reported to the reporting entity.

11.1 11.1 Med Mal-Occurrence Only


11.2 Claims Made**

These policies cover insured events that are reported (as definedin the policy) within the effective dates of the policy, subject toretroactive dates and extended reporting periods whenapplicable.

11.2 11 2 Med Mal-Claims Made Only


11.0001 Acupuncture11.1001 Acupuncture11.2001 Acupuncture11.0002 Ambulance Services11.1002 Ambulance Services11.2002 Ambulance Services11.0003 Chiropractic11.1003 Chiropractic11.2003 Chiropractic11.0004 Community Health Centers11.1004 Community Health Centers11.2004 Community Health Centers11.0005 Dental Hygienists11.1005 Dental Hygienists11.2005 Dental Hygienists11.0006 Dentists – General Practice11.1006 Dentists – General Practice11.2006 Dentists – General Practice11.0007 Dentists – Oral Surgeons11.1007 Dentists – Oral Surgeons11.2007 Dentists – Oral Surgeons11.0008 Home Care Service Agencies11.1008 Home Care Service Agencies11.2008 Home Care Service Agencies

11.0008 Home Care Service Agencies Medical malpractice for a home care service agency. 11

11.0003 Chiropractic Medical malpractice for a chiropractor. 11

11.0005 Dental Hygienists Medical malpractice for a dental hygienist. 11

11.0007 Dentists – Oral Surgeons Medical malpractice for an oral surgeon dentist. 11

Medical malpractice for a community health center. 11

11.0006 Dentists – General Practice Medical malpractice for a general practice dentist. 11

11.0002 Ambulance Services Medical malpractice for an ambulance service. 11

11.0001 Acupuncture Medical malpractice for acupuncture procedures. 11

11.0004 Community Health Centers



11.0009 Hospitals11.1009 Hospitals11.2009 Hospitals11.0010 Nurse – Anesthetists11.1010 Nurse – Anesthetists11.2010 Nurse - Anesthetists11.0011 Nurse - Licensed Practical 11.1011 Nurse - Licensed Practical11.2011 Nurse - Licensed Practical11.0012 Nurse – Midwife11.1012 Nurse – Midwife11.2012 Nurse - Midwife11.0013 Nurse – Practitioners11.1013 Nurse – Practitioners11.2013 Nurse – Practitioners11.0014 Nurse – Private Duty11.1014 Nurse – Private Duty11.2014 Nurse – Private Duty11.0015 Nurse – Registered11.1015 Nurse – Registered11.2015 Nurse - Registered11.0016 Nursing Homes11.1016 Nursing Homes11.2016 Nursing Homes11.0017 Occupational Therapy11.1017 Occupational Therapy11.2017 Occupational Therapy11.0018 Ophthalmic Dispensing11.1018 Ophthalmic Dispensing11.2018 Ophthalmic Dispensing11.0019 Optometry11.1019 Optometry11.2019 Optometry11.0020 Osteopathy11.1020 Osteopathy11.2020 Osteopathy11.0021 Pharmacy11.1021 Pharmacy11.2021 Pharmacy11.0022 Physical Therapy11.1022 Physical Therapy11.2022 Physical Therapy11.0023 Physicians & Surgeons 11.1023 Physicians & Surgeons11.2023 Physicians & Surgeons11.0024 Physicians Assistants11.1024 Physicians Assistants11.2024 Physicians Assistants11.0025 Podiatry11.1025 Podiatry11.2025 Podiatry

11.0025 Podiatry Medical Malpractice for a podiatrist. 11

11.0024 Physicians Assistants Medical malpractice for a physicians’ assistant. 11

11.0023 Physicians & Surgeons Medical malpractice for a physician or surgeon. 11

11.0022 Physical Therapy Medical malpractice for a physical therapist. 11

11.0021 Pharmacy Medical malpractice for a pharmacist. 11

11.0020 Osteopathy Medical malpractice for an osteopathic physician. 11

11.0019 Optometry Medical malpractice for an optometrist. 11

11.0018 Ophthalmic Dispensing Medical malpractice for ophthalmic dispensing. 11

11.0017 Occupational Therapy Medical malpractice for an occupational therapist. 11

11.0011 Nurse - Licensed Practical Medical malpractice for a licensed practical nurse. 11

11.0014 Nurse – Private Duty Medical malpractice for a private duty nurse. 11

11.0013 Nurse - Practitioners Medical malpractice for a nurse practitioner. 11

11.0012 Nurse - Midwife Medical malpractice for a nurse midwife. 11

11.0016 Nursing Homes Medical malpractice for a nursing home. 11

11.0015 Nurse - Registered Medical malpractice for a registered nurse. 11

11.0010 Nurse - Anesthetists Medical malpractice for a nurse anesthetist. 11

11.0009 Hospitals Medical malpractice for a hospital. 11



11.0026 Psychiatry11.1026 Psychiatry11.2026 Psychiatry11.0027 Psychology11.1027 Psychology11.2027 Psychology11.0028 Speech Pathology 11.1028 Speech Pathology11.2028 Speech Pathology11.0029 Other11.1029 Other11.2029 Other11.0030 Dentist11.1030 Dentist11.2030 Dentist11.0031 Anesthetist11.1031 Anesthetist11.2031 Anesthetist11.0032 Professional Nurses11.1032 Professional Nurses11.2032 Professional Nurses11.0033 Assisted Living Facility11.1033 Assisted Living Facility11.2033 Assisted Living Facility

Earthquake 12 Property coverage for losses resulting from a sudden trembling orshaking of the earth, including that caused by volcanic eruption. 12 12.0 Earthquake

12.0001 Commercial Earthquake Earthquake property coverage for commercial ventures. 12

12.0001 Commercial Earthquake

12.0002 Personal Earthquake Earthquake property coverage for personal, family or householdpurposes. 12

12.0002 Personal Earthquake

Workers’ Compensation 16

Insurance that covers an employer’s liability for injuries, disabilityor death to persons in their employment, without regard to fault,as prescribed by state or federal workers’ compensation laws andother statutes. Includes employer’s liability coverage.

16 16.0 Workers Compensation

16.0000 WC Sub-TOI Combinations

16.0001 Alternative Workers’ Compensation

Other than standard workers’ compensation coverage,employer’s liability and excess workers’ compensation (e.g., largedeductible, managed care).

16

16.0001 Alternative WC

16.0002 Employers Liability

Employers’ liability coverage for the legal liability of employersarising out of injuries to employees. This code should be usedwhen coverage is issued as an endorsement, or as part of astatutory workers’ compensation policy. When coverage is issuedas a stand-alone policy, or as an endorsement a package policy,the appropriate “Other Liability” code should be used (i.e.,17.0009, 17.1009, or 17.2009).

16

16.0002 Employers Liability WC

16.0003 Excess Workers’ Compensation

Either specific and/or aggregate excess workers’ compensationinsurance written above an attachment point or self-insuredretention.

17

16.0003 Excess WC

11.0029 Other Medical malpractice not specifically described above. 11

11.0032 Professional Nurses Medical malpractice for any professional nurse. 11

11.0031 Anesthetist Medical malpractice for an anesthetist. 11

11.0028 Speech Pathology Medical malpractice for a speech pathologist. 11

11.0027 Psychology Medical malpractice for a psychologist. 11

11.0026 Psychiatry Medical malpractice for a psychiatrist. 11

11.0030 Dentists Medical malpractice for a dentist. 11

11.0033 Assisted Living Facility Medical malpractice for an assisted living facility. 11



16.0004 Standard Workers’ Compensation

Insurance that covers an employer’s liability for injuries, disabilityor death to persons in their employment, without regard to fault,as prescribed by state or federal workers’ compensation laws andincludes within the basic policy employer’s liability coverage.

16

16.0004 Standard WC

Other Liability 17Coverage protecting the insured against legal liability resulting from negligence, carelessness, or a failure to act resulting in property damage or personal injury to others.

17 17.0 Other Liability-Occ/Claims Made

17.0000 Other Liability Sub-TOI Combinations

17.1 Occurrence**These policies cover insured events that occur within the effectivedates of the policy regardless of when they are reported to thereporting entity.

17.1 17.1 Other Liability-Occ Only


17.2 Claims Made**


17.2 17.2 Other Liability-Claims Made Only


17.0001 Commercial General Liability

Flexible & broad commercial liability coverage with two major sub-lines: premises/operations sub-line and products/completed operations sub-line. For general professional liability see 17.0019.

17

17.0001 Commercial General Liability17.1001 Commercial General Liability17.2001 Commercial General Liability

17.0002 Completed Operations

Policies provided to contractors covering liability to persons who have incurred bodily injury or property damage from defective work or operations completed or abandoned by or for the insured, away from the insured’s premises.

17

17.0002 Completed Operations17.1002 Completed Operations17.2002 Completed Operations

17.0003 Comprehensive Personal Liability

Comprehensive liability coverage for exposures arising out of theresidence premises and activities of individuals and familymembers. (Non-business liability exposure protection forindividuals.)

17

17.0003 Comprehensive Personal Liability17.1003 Comprehensive Personal Liability17.2003 Comprehensive Personal Liability

17.0004 Contractual Liability

Liability coverage of an insured who has assumed the legal liability of another party by written or oral contract. Incudes a contractual liability policy providing coverage for all obligations and liability incurred by a service contract or other contract provider under the terms of service contracts issued by the provider.

17

17.0004 Contractual Liability17.1004 Contractual Liability17.2004 Contractual Liability

17.0005 Day Care Centers17.1005 Day Care Centers17.2005 Day Care Centers17.0006 Directors & Officers Liability17.1006 Directors & Officers Liability17.2006 Directors & Officers Liability17.0007 Elevators and Escalators Liability17.1007 Elevators and Escalators Liability17.2007 Elevators and Escalators Liability

17.0008 Employee Benefit Liability

Liability protection for an employer for claims arising from provisions in an employee benefit insurance plan provided for the economic and social welfare of employees. Examples of items covered are pension plans, group life insurance, group health insurance, group disability income insurance, and accidental death and dismemberment. For fiduciary liability see 17.0029.

17

17.0008 Employee Benefit Liability17.1008 Employee Benefit Liability17.2008 Employee Benefit Liability

17.0006 Directors & Officers Liability

Liability coverage protecting directors or officers of a corporation from liability arising out of the performance of their professional duties on behalf of the corporation.

17

17.0007 Elevators and Escalators Liability

Liability coverage for bodily injury or property damage arising fromthe use of elevators or escalators operated, maintained orcontrolled by the insured.

17

17.0005 Day Care Centers Liability coverage for day care centers. 17



17.0009 Employers Liability

Employers’ liability coverage for the legal liability of employers arising out of injuries to employees. This code should be used when coverage is issued as a stand-alone policy, or as an endorsement to a package policy. When this coverage is issued as an endorsement to a statutory workers’ compensation policy, the appropriate “Workers’ Compensation” code should be used (i e., Code 16.0002).

17

17.0009 Employers Liability17.1009 Employers Liability17.2009 Employers Liability

17.0010 Employment Practices Liability

Liability protection for an employer providing personal injury coverage arising out of employment-related practices, personnel policies, acts, or omissions. Examples of claims such policies respond to are refusal to employ, termination, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, and discrimination.

17

17.0010 Employment Practices Liability17.1010 Employment Practices Liability17.2010 Employment Practices Liability

17.0011 Environmental Pollution Liability



17.0012 Fire Legal Liability

Coverage for property loss liability as the result of separate negligent acts and/or omissions of the insured that allows a spreading fire to cause bodily injury or property damage of others. An example is a tenant who, while occupying another party’s property, through negligence causes fire damage to the property.

17

17.0012 Fire Legal Liability17.1012 Fire Legal Liability17.2012 Fire Legal Liability

17.0013 Kidnap & Ransom Liability17.1013 Kidnap & Ransom Liability17.2013 Kidnap & Ransom Liability

17.0014 Liquor Liability

Coverage for the liability of an entity involved in the retail or wholesale sales of alcoholic beverages, or the serving of alcoholic beverages, to persons who have incurred bodily injury or property damage arising from an intoxicated person.

17

17.0014 Liquor Liability17.1014 Liquor Liability17.2014 Liquor Liability

17.0015 Municipal Liability17.1015 Municipal Liability17.2015 Municipal Liability17.0016 Nuclear Energy Liability

17.1016 Nuclear Energy Liability


17.0017 Personal Injury Liability

Coverage for the liability of an insured for injury to persons, other than bodily injury. Examples include discrimination, falsely arrest, illegal detainment, libel, malicious prosecution, slander, suffering mental anguish, and violation of privacy rights.

17

17.0017 Personal Injury Liability17.1017 Personal Injury Liability17.2017 Personal Injury Liability

17.0018Premises and Operations (OL&T and M&C)

Policies covering the liability of an insured to persons who have incurred bodily injury or property damage on an insured’s premises during normal operations or routine maintenance, or from an insured’s business operations either on or off of the insured’s premises.

17

17.0018 Premises and Operations (OL&T and M&C)17.1018 Premises and Operations (OL&T and M&C)17.2018 Premises and Operations (OL&T and M&C)

17.0019Professional Errors and Omissions Liability

Coverage available to pay for liability arising out of the performance of professional or business related duties, with coverage being tailored to the needs of the specific profession. Examples include abstracters, accountants, insurance adjusters, architects, engineers, insurance agents and brokers, lawyers, real estate agents, stockbrokers.

17

17.0019 Professional Errors and Omissions Liability17.1019 Professional Errors and Omissions Liability17.2019 Professional Errors and Omissions Liability


Coverage for bodily injury and property damage liability resultingfrom the nuclear energy material (whether or not radioactive) onthe insured business’s premises or in transit.

17

17.0015 Municipal Liability Liability coverage for the acts of a municipality. 17


Liability coverage of an insured to persons who have incurredbodily injury or property damage from acids, fumes, smoke, toxicchemicals, waste materials or other pollutants.

17

17.0013 Kidnap & Ransom Liability

Liability coverage up to specific limits for payments demanded bykidnappers for the release of an insured held against his or herwill.

26



17.0020 Umbrella and Excess (Commercial)

Coverage for the liability of a commercial venture above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions. Note: Does not include excess workers’ compensation insurance. Does include excess directors and officers and excess errors and omissions products.

17

17.0020 Commercial Umbrella and Excess 17.1020 Commercial Umbrella and Excess17.2020 Commercial Umbrella and Excess

17.0021 Umbrella and Excess (Personal)

Non-business liability protection for individuals above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions.

17

17.0021 Personal Umbrella and Excess17.1021 Personal Umbrella and Excess17.2021 Personal Umbrella and Excess

17.0022Other17.1022Other17.2022 Other17.0023 Veterinarian17.1023 Veterinarian17.2023 Veterinarian17.0024 Internet Liability

17.1024 Internet Liability

17.2024 Internet Liability

17.0025 Provider Excess Stop Loss

An insurance policy that provides excess coverage to a health care provider from catastrophic patient losses or adverse cash flow, including, but not limited to, shortfalls from capitated payment agreements. A provider may be, but is not limited to, a physician, hospital, group medical practice, nurse, nursing home, or a pharmacy.

13 & 15

17.0025 Provider Excess Stop Loss17.1025 Provider Excess Stop Loss17.2025 Provider Excess Stop Loss

17.0026 Excess Stop Loss

Insurance coverage extended to a self-insured employer plan to insure against the risk that any one claim will exceed a specific dollar amount or that an entire plan’s losses will exceed a specific amount. For provider excess stop loss, use 17 0025. For any other excess stop loss, use 17.0027. Does not include stop-gap/employer’s liability insurance.

13 & 15

17.0026 Excess Stop Loss17.1026 Excess Stop Loss17.2026 Excess Stop Loss

17.0027 Other Excess Stop Loss

Insurance coverage extended to a health plan to insure against the risk that any one claim will exceed a specific dollar amount or that an entire plan’s losses will exceed a specific amount. For provider excess stop loss, use 17 0025. For self-insured employer plan excess stop loss, use 17 0026. Does not include stop-gap/employer’s liability insurance.

13 & 15

17.0027 Other Excess Stop Loss17.1027 Other Excess Stop Loss17.2027 Other Excess Stop Loss

17.0028 Cyber Liability

Stand-alone comprehensive coverage for liability arising out of claims related to unauthorized access to or use of personally identifiable or sensitive information due to events including but not limited to viruses, malicious attacks or system errors or omissions. This coverage could also include expense coverage for business interruption, breach management and/or mitigation services. When cyber liability is provided as an endorsement or as part of a multi-peril policy, as opposed to a stand-alone policy, use the appropriate Sub-TOI of the product to which the coverage will be attached.

17

17.0028 Cyber Liability17.1028 Cyber Liability17.2028 Cyber Liability

17.0022 Other Other Liability not specifically described above. 17

17.0024 Internet LiabilityLiability arising out of claims for wrongful acts related to thecontent posted on a website by the insured or the insured’s failureto maintain the security of its computer systems.

17

17.0023 Veterinarian Liability coverage for the acts of a veterinarian. 17



17.0029 Fiduciary Liability

This type of insurance provides protection for fiduciaries against legal liability for claims made against them for a wrongful act (defined as a breach of fiduciary duty imposed by ERISA or similar common or statutory law). It’ll respond to claims for damages arising out of improper investments, plan and employee advice, insufficient funding and failure of an insurer to perform.

Examples include failure to invest plan assets prudently or failure to select a qualified service provider for a covered plan. Some fiduciary liability policies may also provide coverage for negligent acts, as well as errors or omissions in the administration of employee benefit plans.

17

17.0029 Fiduciary Liability17.1029 Fiduciary Liability17.2029 Fiduciary Liability

18.0001 OccurrenceThese policies cover insured events that occur within the effectivedates of the policy regardless of when they are reported to thereporting entity.

18.118.0001 Product Liab-Occurrence Only

18.0002 Claims Made


18.2

18.0002 Product Liab-Claims Made Only

Personal Auto 19

Privately owned motor vehicles and trailersfor use on publicroadsnot owned or used for commercial purposes. Thisincludes Personal Auto Combinations of Private Passenger Auto,Motorcycle, Financial Responsibility Bonds, RecreationalVehicles and/or Other Personal Auto.

19.121.1 19.0 Personal Auto

19.0000 Personal Auto Combinations

19.0001 Private Passenger Auto (PPA)

PPA filings that include singularly or in any combination coveragesuch as the following: Auto Liability, Personal Injury Protection(PIP), Medical Payments (MP), Uninsured/Underinsured(UM/UIM); Specified Causes of Loss, Comprehensive, andCollision.

19.121.1

19.0001 Private Passenger Auto (PPA)

19.0002 Motorcycle

Motorcycle filings that include singularly or in any combinationcoverage such as in the following: Motorcycle Liability, PIP, MP,UM/UIM, Specified Causes of Loss, Comprehensive, andCollision.

19.121.1

19.0002 Motorcycle

19.0003 Recreational Vehicle (RV)

RV filings (including filings for Golf Carts) which include singularlyor in any combination coverage such as the following: AutoLiability, PIP, MP, Uninsured Motorist and/or UnderinsuredMotorists (UM/UIM); Specified Causes of loss, Comprehensive,and Collision.

19.121.1

19.0003 Recreational Vehicle (RV)

19.0004 Other A catchall code for other than the previously presented autocoding used for Personal Auto. 19.121.1

19.0004 Other

Commercial Auto 20

Coverage for motor vehicles owned by a business engaged incommerce that protects the insured against financial lossbecause of legal liability for motor vehicle related injuries, ordamage to the property of others caused by accidents arising outof the ownership, maintenance, use, or care-custody & control ofa motor vehicle. This includes Commercial Auto Combinations ofBusiness Auto, Garage, Truckers and/or Other Commercial Auto.

19.321.2 20.0 Commercial Auto

20.0000 Commercial Auto Combinations

18.0000 Product Liab-Occ/Claims MadeProduct Liability 18 Coverage for losses or injuries caused by defect or malfunction of

the product. 18 18.0 Product Liability



20.0001 Business Auto

Coverage for motor vehicles, other than those in the garagebusiness, engaged in commerce. Business Auto filings includesingularly or in any combination coverage such as the following:Auto Liability, PIP, MP, Uninsured Motorist and/or UnderinsuredMotorists (UM/U M); Specified Causes of Loss, Comprehensive,and Collision.

19.321.2

20.0001 Business Auto

20.0002 Garage

Garage auto filings pertaining to auto dealers and to auto non-dealers (auto repair shops, auto service stations, parkinggarages, and similar risks). Garage filings include singularly or inany combination coverage such as the following: GarageLiability, Garagekeepers Legal Liability, P P, MP, UM/U M;Specified Causes of Loss, Comprehensive, and Collision.

19.321.2

20.0002 Garage

20.0003 Other A catchall code for other than the previously presentedautomobile coding used for Commercial Auto. 19.321.2

20.0003 Other

20.0004 Truckers

Coverage for persons or organizations engaged in the businessof transporting property by auto for hire, including coverage of thespecialized liability exposure created by trailer interchangeagreements.

19.321 2

20.0004 Truckers

Mobile Homes under Transport 21.0004 Mobile Homes while under transport for personal or commercial

use. 21.1-21.2 21.4 Mobile Homes under Transport21.0004 Mobile Homes under Transport

Aircraft 22Coverage for aircraft (hull) and their contents; aircraft owners’ and aircraft manufacturers liability to passengers, airports and other third parties.

22 22.0 Aircraft

22.0000 Aircraft

Fidelity 23A bond or policy covering an employer’s loss resulting from anemployee’s dishonest act (e.g., loss of cash, securities,valuables, etc.)

23 23.0 Fidelity

23.0000 Fidelity

Fidelity and Surety 23/24 See Fidelity and Surety Above 23.0/24 0 Fidelity and Surety23.0000/24 0000 Fidelity and Surety

Surety 24

A three-party agreement where the insurer agrees to pay asecond party (the obligee) or make complete an obligation inresponse to the default, acts, or omissions of a third party (theprincipal or obligor).

24 24.0 Surety

24.0000 Surety

Burglary and Theft 26

Coverage for property taken or destroyed by break-in andentering the insured’s premises; burglary or theft; forgery orcounterfeiting; fraud; and off-premises exposure. Includes Fidelityand Surety coverage written as part of a Crime and Fidelityprogram.

26 26.0 Burglary and Theft

26.0001 Commercial Burglary and theft coverage for commercial enterprises. 26 26.0001 Commercial Burglary and Theft

26.0002 Personal Burglary and theft coverage for personal or household risks. 2626.0002 Personal Burglary and Theft

Boiler & Machinery or Equipment Breakdown & Machinery

27

Coverage for the failure of boilers, machinery and other electrical equipment. Benefits include (i) property of the insured, which has been directly damaged by the accident; (ii) costs of temporary repairs and expediting expenses; and (iii) liability for damage to the property of others. Coverage also includes inspection of the equipment.

27 27.0 Boiler & Machinery or Equipment Breakdown

27.0000 Boiler & Machinery or Equipment Breakdown

Credit Credit Default 28.1

Coverage purchased by manufacturers, merchants, educational institutions, or other providers of goods and services extending credit, for indemnification of losses or damages resulting from the nonpayment of debts owed to them for goods or services provided in the normal course of their business.

28 28.1 Credit -Credit Default

28.1000 Credit-Credit Default



Credit - Personal Property 28.2

This section is for use where credit personal property is handled by the property and casualty section of the state insurance department. Under Code 28.2001 through Code 28.2003 credit insurance may be either “single interest” or “dual interest”. Single interest means insurance that protects only the creditor’s/lessor’s interest in the collateral securing a debtor’s/lessee’s credit transaction. Dual interest (also commonly referred to as “limited dual interest”) means insurance that protects the creditor’s/lessor’s and the debtor’s/lessee’s interest in the collateral securing the debtor’s/lessee’s credit/lease transaction.

28 28.2 Credit-Personal Property

28.2001 Creditor-Placed Home

Single interest or dual interest credit insurance purchasedunilaterally by the creditor, who is the named insured, subsequentto the date of the credit transaction, providing coverage againstloss to property that would either impair a creditor’s interest oradversely affect the value of collateral on homes, mobile homes,and other real estate.

28*

28.2001 Creditor-Placed Home

28.2002 Creditor-Placed Auto

Single interest or dual interest credit insurance that is purchasedunilaterally by the creditor/lessor, who is the named insured,subsequent to the date of the credit/lease transaction, providingcoverage against loss to property that would either impair acreditor’s/lessor’s interest or adversely affect the value ofcollateral on automobiles, boats, or other vehicles.

28*

28.2002 Creditor-Placed Auto

28.2003 Personal Property

Single interest or dual interest credit insurance (where collateral isnot a motor vehicle, mobile home, or real estate) that coversperils to goods purchased or used as collateral and that concernsa creditor’s/lessor’s interest in the purchased/leased goods orpledged collateral either in whole or in part; or covers perils togoods purchased/leased in connection with an open-endcredit/lease transaction ( Also see 9.0005)

28*

28.2003 Personal Property

28.2004 Credit Involuntary Unemployment

Credit insurance that provides a monthly or lump sum benefitduring an unpaid leave of absence from employment resultingfrom specified causes, such as layoff, business closure, strike,illness of a close relative and adoption or birth of a child. Thisinsurance is sometimes referred to as Credit Family Leave.

28

28.2004 Credit Involuntary Unemployment

28.2005 Personal GAP Insurance

Insurance that insures the excess of the outstandingindebtedness over the primary property insurance benefits in theevent of a total loss to a collateral asset.

28*

28.2005 Personal GAP Insurance

28.2006 Other Not specifically described above. 28 28.2006 Other

Credit - Commercial Property 28.3

Single or dual interest insurance purchased unilaterally by thecreditor, who is the named insured, subsequent to the credittransaction, providing loss to property that would either impair acreditor’s interest or adversely affect the value of collateral oncommercial property

28*

28.3000 Credit - Commercial Property

Combinations 30 A special form of package policy composed of personalautomobile and homeowners insurance. None 30.0 Homeowner/ Auto Combinations

30.0000 Homeowner/Auto Combinations

30.1Dwelling Property/Personal Liability

A special form of package policy composed of dwelling fire and/orallied lines, and personal liability insurance. None 30.1 Dwelling Fire/Personal Liability

30.1000 Dwelling Fire/Personal Liability

Other Lines of Business 33 Coverage not described under previous Lines of Insurance. 34 33.0 Other Lines of Business

33.0001 Other Personal Lines Coverage not described under previous Types or Sub-types ofInsurance. 34

33.0001 Other Personal Lines



33.0002 Other Commercial Lines

Coverage not described under previous Types or Sub-types ofInsurance. 34

33.0002 Other Commercial Lines

33.0003Mechanical Breakdown Insurance

An insurance policy , issued by an insurance company, which provides repair or replacement serviceor indemnification for that servicefor the operational or structural failure of property due to defects in materials or workmanship, or normal wear and tear. (May cover motor vehicles, mobile equipment, boats, appliances, electronics, residential structures, etc.)

30

33.0003 Mechanical Breakdown Insurance

33.0004 Service Contracts

A contract or agreement given for consideration over and abovethe purchase or lease price of the covered property and thatundertakes to perform or provide repair or replacement service,or reimbursement for that service, for the operational or structuralfailure of covered property due to defect in materials orworkmanship or normal wear and tear, but does not includemechanical breakdown insurance. (See 17 0004 for contractualliability insurance issued to reimburse service contract providersfor liabilities assumed under service contracts.)

30

33.0004 Service Contract

33.0005 Other Contracts

A contract or agreement regulated by the department ofinsurance (DOI) and required to be submitted to the state in whichthe contract is delivered which does not fall under 33.0004Service Contracts. Such contracts, include, but are not limited to,motor vehicle ancillary product protection contracts , such asglass repair or paint-less dent removal, tire and wheel roadhazard or motor vehicle protection products, such as windowetching. Note: See 17.0004 for contractual liability insuranceissued to reimburse the contract provider for liability assumedunder these contracts.

34 or None

33.0005 Other Contracts

33.0006Tuition Reimbursement Plans

Product which reimburses for the tuition expenses of studentswho drop out, are expelled, leave for medical reasons, etc.

33.0006 Tuition Reimbursement Plans

Title 34

Coverage that guarantees the validity of a title to real and personal property. Buyers of real and personal property and mortgage lenders rely upon the coverage to protect them against losses from undiscovered defects in existence when the policy is issued.

None 34.0 Title

34.0000 Title

Interline Filings 35 Personal/Commercial Interline Filings

A Personal and Commercial filing consisting of one or more forms, classification or territories that applies to more than one type of insurance (e.g., cancellation provisions; declarations page; payment plan rule).

None 35.0 Interline Filings

35.0000 Personal/Commercial Interline Filings

35.0001 Personal Interline Filings

A Personal filing consisting of one or more forms, classification orterritories that applies to more than one type of insurance (e g.,cancellation provisions; declarations page; payment plan rule).

None

35.0001 Personal Interline Filings

35.0002 Commercial Interline Filings

A Commercial filing consisting of one or more forms, classification or territories that applies to more than one type of insurance (e g.,cancellation provisions; declarations page; payment plan rule).

None

35.0002 Commercial Interline Filings



Coverage purchased by consumers, manufacturers, merchants, educational institutions or other providers of goods and services extending credit, for indemnification of losses or damages resulting from the nonpayment of debts owed to/from them for goods or services provided in the normal course of their business.

Credit insurance is generally issued in connection with the issuance of credit to an individual by a bank, retailer, finance company or other similar organization and protects the organization for the unpaid balance of the loan and frequently for

Personal GAP (Guaranteed Asset Protection) InsuranceCredit insurance that insures the excess of the outstanding indebtedness over the primary property insurance benefits in the event of a total loss to a collateral asset.

Credit Involuntary UnemploymentCredit insurance that provides a monthly or lump sum benefit during an unpaid leave of absence from employment resulting from specified causes, such as layoff, business closure, strike, illness of a close relative and adoption or birth of a child. This insurance is sometimes referred to as Credit Family Leave.

Force-Placed Business:Include all types of business that are “force-placed” or “lender-placed” in the same pre defined lines of business as business placed by borrower or creditor for the same coverage.

Force-placed (also known as lender-placed and creditor-placed insurance) is insurance that is placed by the lender subsequent to the date of the credit transaction, providing coverage against loss, expense or damage to collateralized property as a result of fire, theft, collision or other risks of loss that would either impair a creditor’s interest or adversely affect the value of collateral covered by limited dual-interest insurance. It is purchased by the lender according to the terms of the credit agreement as a result of the borrower’s failure to provide required insurance, with the cost of the coverage being charged to the borrower. It may be either single-interest insurance or limited dual-interest insurance.

*States may require annual statement to be completed differently from the recommendation.

Because auto filings are either Private Passenger Auto or Commercial Auto and because most contain both liability and physical damage exposures, the codes for Private Passenger Auto and Commercial Auto have been added to the table to accommodate these filings in SERFF. Hint: The first digit after the decimal designates Private Passenger (.1) or Commercial (.2). The last (fourth) digit after the decimal designates No-Fault/PIP (.X001) or Liability (.X0002).

Placing Code 11 0000 (Medical Malpractice) under Type of Insurance on the transmittal document would denote the filing of all its sub-codes listed. If all of the sub-codes represent occurrence coverage, then it is necessary to list the code 11.1000 (Occurrence) as a second code under Type of Insurance. If all of the sub-codes represent claims made coverage, then it is necessary to list the code 11.2000 (Claims Made) as a second code under Type of Insurance. If the sub-codes under Code 11.000 vary between occurrence and claims made coverage, then it will be necessary to list each sub-code as either occurrence or claims made by denoting a 1 or 2 immediately following the sub-codes decimal point as explained in the following example.

The filing for claims made acupuncture coverage (located in the Type of Insurance for Medical Malpractice), as correctly entered under Sub-Type of Insurance of the transmittal document.

The claims made sub-code in the example is 11.2000. The acupuncture sub-code without designating whether it is occurrence or claims made is 11.0001.

Since the first digit following the decimal for 11.2000 is the number 2, that number may be dropped down in lieu of the 0 for the first decimal in the acupuncture sub-code. This would therefore change the acupuncture sub-code from 11.001 to 11.2001, which would effectively designate its coverage as that of claims made acupuncture.

The same procedure is applicable to sub-codes where other double-asterisks appear, such as the following: Sub-codes 5.1000 (Non-Liability Portion for the Commercial Multiple Peril Type of Insurance) and 5 2000 (Liability Portion for the Commercial Multiple Peril Type of Insurance); 17.1000 (Occurrence for the Other Liability Type of Insurance) and 17.2000 (Claims Made for the Other Liability Type of Insurance).

When a filing contains more than one of the identified Sub-Types of Insurance, use the appropriate .0000 "Combinations" code. Example 1: If a Homeowners filing includes both 4 0003 Owner Occupied Homeowners and 4.0004 Tenant Homeowners, use 4.0000 Homeowners Sub-TOI Combinations as the SERFF Sub-Type of Insurance. Example 2: If a Medical Malpractice filing includes both occurrence and claims made coverage for Acupuncture, use code 11.0001. If it includes only claims made coverage but for Acupuncture, Chiropractic and Optometry, use code 11.2000.

SERFF Notes SERFF limits each filing to a single Type of Insurance (TOI) and Sub-Type of Insurance (Sub-TOI).

*Filing codes for Type of Insurance that have all zeros after the decimal point include all listed sub-codes (if any), when this Type of Insurance code is listed under Type of Insurance in the filing transmittal document. An example, to correctly represent on the Uniform Property & Casualty Transmittal Document, is as follows

**Filing codes for Sub-Type of Insurance with sub-codes that denote a 1 or 2 immediately following the decimal point are to be used to clarify a coverage sub-code so that only one sub-code number is needed to file for a particular coverage, rather than two. An example, to correctly represent on the Uniform Property & Casualty Transmittal Document, is as follows

28*


effective jan. 1, 2019 - nh.gov · the commercial package policy (cpp) provides a broad package of...

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